How to borrow airtime or data from MTN?

Key takeaways

• You can borrow MTN airtime or data through the MTN XtraTime service.
• MTN Ghana charges a 10% service fee on any borrowed airtime or data.
• The MTN XtraTime USSD code is *506#.

Have you ever found yourself out of credit or data at inconvenient times? XtraTime, a customer-centric service by MTN Ghana, is a lifesaver in such moments. Here’s everything to know.

Eligibility criteria

To qualify to borrow airtime or data on MTN XtraTime, you must:

• Have a registered MTN SIM.
• Be a prepaid customer or pay-as-you-go plan for call credit and data.
• Have been on the MTN network for more than three months.
• Have less than GHS 4 airtime or data equivalent.
• Not have an outstanding XtraTime loan.

How to borrow airtime or call credit on MTN?

Here’s how to borrow call credit on MTN:

1. Dial *506#.

2. Choose your preferred amount to borrow or option 3 for more advanced options.

3. Select 1 to confirm the transaction.

You’ll receive a prompt confirming your credited airtime balance.

How to borrow data from MTN?

To borrow data on MTN, follow the steps below:

1. Dial *506#.

2. Select Request a data advance.

3. Choose your preferred data bundle from the available options.

4. Select 1 to confirm the transaction.

That’s it. You should receive an SMS on your credited data balance.

How much call credit or data can you borrow from MTN?

The amount of call credit or data you can borrow on MTN XtraTime depends on the following:

• Your daily expenditure on airtime or data.
• Your credit repayment history (how promptly you clear your XtraTime debt).
• Your XtraTime borrowing limit.

What fee is charged on borrowed MTN airtime or data?

MTN levies 10% on every borrowed airtime or data as its service charge. The fee for the data is calculated based on its monetary value.

For instance, if you borrow 36 MB of data which costs GHS 1, you will be charged an extra GHS 0.10, bringing the total due to GHS 1.10. This is deducted from the next airtime or data bundle recharge (the data equivalent of the full amount due).

Quick tip: To know the total cost of a data bundle or airtime borrowed, review the final amount displayed by MTN before confirming your purchase. If you miss this, dial the short code *124# to check your XtraTime debt.

FAQs

How do I pay for my borrowed airtime or data on MTN?

You can pay for your borrowed airtime or data on your next airtime reload or Momo bundle purchase. MTN automatically deducts the amount owed immediately after you recharge.

How can I borrow 1 GB of data from MTN?

You can only borrow on the XtraTime service up to your given limit by MTN. To borrow 1 GB of data from MTN, you must meet the eligibility criteria and frequently patronise the XtraTime service. Based on your loyalty and activeness on the network, MTN will increase your borrowing limit to enable you to borrow 1GB and beyond on MTN XtraTime.

Conclusion

To access MTN XtraTime, dial *506# and follow the above steps. Be sure to recharge promptly to maintain a good repayment record and potentially increase your borrowing limit.

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